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Trumps USA • Jämställd ekonomi

Lagändring kan försvåra lån till kvinnor: ”Stort steg bakåt”

Av Malin Lilja
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Trumpadministrationen vill skala tillbaka en 50 år gammal lag som gjort det enklare för kvinnor och minoritetsgrupper att ta lån, skriver Market Watch. I förslaget, som lades fram av myndigheten CFPB redan förra månaden, föreslås omfattande ändringar i hur lagen från 1974 tillämpas.

Experten David Silberman säger till sajten att det skulle bli svårare för marginaliserade grupper att beviljas lån och dessutom bli svårare att hävda att det skett på grund av diskriminering. Han kallar det ”ett stort steg bakåt” för en jämställd lånemarknad.

Före lagen trädde i kraft var det lagligt för företag och banker att ta ut högre räntor från svarta eller ursprungsamerikaner. Man kunde också kräva att en äkta man skrev under en kvinnas låneansökan.

– Jag kan inte understryka hur allvarligt det är att ändra den här lagen, säger bedömaren Adam Rust.

Före lagen kunde kvinnor nekas att öppna ett bankkonto
www.marketwatch.com  · Ofta betalvägg
bakgrund
 
Consumer Financial Protection Bureau
Wikipedia (en)
The Consumer Financial Protection Bureau (CFPB) is an independent agency of the United States government responsible for consumer protection in the financial sector. CFPB's jurisdiction includes banks, credit unions, securities firms, payday lenders, mortgage-servicing operations, foreclosure relief services, debt collectors, for-profit colleges, and other financial companies operating in the United States. The agency was originally proposed in 2007 by Elizabeth Warren while she was a law professor and she played an instrumental role in its establishment. The CFPB's creation was authorized by the Dodd–Frank Wall Street Reform and Consumer Protection Act, whose passage in 2010 was a legislative response to the 2008 financial crisis and the subsequent Great Recession, and is an independent bureau within the Federal Reserve. Since its founding, the agency has returned more than $21 billion to consumers who were defrauded by financial institutions. The agency has established or proposed rules to cap overdraft charges and credit card late fees; prohibit medical debt from credit reports; limit the ability of data brokers to sell personal data; and limit predatory payday loan practices. The agency is funded through penalties collected with its enforcement actions and through transfers from the Federal Reserve. Throughout its existence, the CFPB has been persistently targeted by Republican politicians and the financial industry. The CFPB's status as an independent agency has been subject to many challenges in court. In June 2020, the United States Supreme Court ruled that the president can remove the director without cause but allowed the agency to remain in operation. In 2024, the Supreme Court affirmed the constitutionality of the CFPB funding mechanism prescribed by Congress. At the outset of his second presidential term, Donald Trump appointed an acting director who immediately ordered the CFPB to stop regulatory activity, and sought to fire 90% of the agency's staff.
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